Durham has plenty of assisted living options for seniors in need of help with daily activities. Many older adults begin to struggle to handle tasks on their own, requiring them to either get live-in help or move to an assisted living facility where nurses remain on staff 24/7 to provide guidance. Learn what assisted living is and does and understand the costs before settling on a location.
The term assisted living describes any and all services provided by a nursing staff to residents in need of help. They do not need advanced nursing care yet still require help each day with standard tasks. Assisted living includes:
help with showering and dressing
reminders to take medication
reminders regarding physical therapy or physician appointments
transportation to and from appointments
housekeeping and laundry service
Dozens of assisted living facilities reside in Durham.
The state of North Carolina requires an assisted living facility with seven or more beds to have a license to operate.
Assisted living administrators must meet all requirements to be eligible to run an establishment, including taking a test and undergoing a background check.
There are non-profit and for-profit organizations available in Durham.
Type A facilities provide a home to those who can follow directions in an emergency.
Type B facilities aid those who cannot escape in an emergency alone.
The median range for assisted living across the United States is $3,600 per month. Durham exceeds that number, coming in at $4,000 per month instead. With a higher than average cost, residents need to be aware of their options so they can settle in the right place. There are some lower cost alternatives, with some costing as low as $1,160. These residences are much smaller in size and do not come with all the amenities. The highest prices reach $5,800. On average, you are looking at spending $48,000 per year on a single occupancy room.
These numbers are only expected to grow. A three percent increase in price is expected over the next five years. With that in mind, you need to be extra careful on which assisted living facility you choose. It is best to move when it is truly time, and not beforehand.
Do your research and compare all options in the Durham area before settling on the final choice. There are plenty of questions to ask each facility during your tours so you can be sure you’re choosing the right one. Most of those inquiries should pertain to the amenities and costs associated with them.
Do you price different levels of care at different rates?
Can I see the disclosure form explaining services, fees, and additional expenses?
Are there fees charged for moving out before a yearly contract completes?
Do you work with any organizations that help cover the costs of residents in need?
What are your policies on billing, payments, and credit?
Do you accept long-term care insurance?
Do you take Medicare?
Do you accept Medicaid?
What gets included in the meal plan and how much does it cost?
Is there a fee to have a guest stay the night?
Do you charge a fee for bringing a guest to a meal?
Which housekeeping services get included in the monthly fee?
Which utilities get included in the monthly fee and which cost extra?
Is there a deposit for moving in with a pet?
Do on-site grooming and beauty services cost extra, and if so, how much?
These may seem like a lot of questions, but you want to be sure you are fully prepared before moving into a new location. Ask away and get the answers you deserve.
You do not have to pay full price for assisted living. There are ways to save that make it much more affordable. You can start by looking into assisted living services in your home. You can have a caregiver come to help you for a while before you need to fully transition into a new living situation. Doing so will save you money for the time being, as home health aides cost much less per month than a fully equipped facility.
Consider double occupancy rooms. Not all facilities offer this type, but some do. Living in a double occupancy space means you will have a roommate. You do not have to cover the full cost of the room alone. Instead, you have another person paying a portion of the price. You get your own bed in this situation, but the remainder of the living space gets shared between you and the other person.
Having a low income often qualifies you for the sliding scale for paying. Some facilities based rates off of what you make, and do not set a price in stone for everyone. Prove you have a low income and limited assets and how much, and you will get placed on the sliding scale to determine what costs you should be able to afford.
You do not have to pay for care entirely out-of-pocket. There are options to pay for assisted living in Durham that you can consider when you’re ready. Medicare and Medicaid are the two common insurance choices for seniors. If you are low income, you are even more likely to get approved. Speak with your insurance agency about the coverage you have and a number of payout limits they have so you know what’s left for you to handle.
Selling your home is another option. If you have to move, you might as well use the profits from your home sale to cover the costs. Most houses on the market will earn you at least a couple of years at an exquisite assisted living center.
Find assisted living in Durham near you.